WO2012142131A3 - Interoperable financial transactions via mobile devices - Google Patents

Interoperable financial transactions via mobile devices Download PDF

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Publication number
WO2012142131A3
WO2012142131A3 PCT/US2012/033083 US2012033083W WO2012142131A3 WO 2012142131 A3 WO2012142131 A3 WO 2012142131A3 US 2012033083 W US2012033083 W US 2012033083W WO 2012142131 A3 WO2012142131 A3 WO 2012142131A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
transactions
account
interoperable
consumers
Prior art date
Application number
PCT/US2012/033083
Other languages
French (fr)
Other versions
WO2012142131A2 (en
Inventor
Ashish Kulpati
Gordon Cooper
Ginger Baker
Original Assignee
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa International Service Association filed Critical Visa International Service Association
Priority to AP2013007223A priority Critical patent/AP3678A/en
Priority to US14/006,427 priority patent/US9552573B2/en
Priority to AU2012242932A priority patent/AU2012242932A1/en
Publication of WO2012142131A2 publication Critical patent/WO2012142131A2/en
Publication of WO2012142131A3 publication Critical patent/WO2012142131A3/en
Priority to ZA2013/07735A priority patent/ZA201307735B/en
Priority to US15/376,994 priority patent/US10504082B2/en
Priority to US16/675,023 priority patent/US10902397B2/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/203—Dispensing operations within ATMs

Abstract

A method and system provide interoperable electronic financial services using mobile communications devices and without the need for traditional banking systems like plastic cards, POS machines, branches and ATMs. A consumer can deposit and/or withdraw money from his account using his mobile device and with the help of a local agent without ever stepping inside a branch of a bank where the consumer has an account. The system uses the consumers ID and his mobile number to generate a PAN for the consumer, which is then used to route the transactions. The system uses indicators in the transaction to identify transaction purpose and thus enable appropriate interchange, clearing and settlement between participating entities. The system provides real-time feedback on the transactions and reduces costs by enabling an agent to service consumers of multiple banks and payment service providers.
PCT/US2012/033083 2011-04-11 2012-04-11 Interoperable financial transactions via mobile devices WO2012142131A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
AP2013007223A AP3678A (en) 2011-04-11 2012-04-11 Interoperable financial transactions via mobile devices
US14/006,427 US9552573B2 (en) 2011-04-11 2012-04-11 Interoperable financial transactions via mobile devices
AU2012242932A AU2012242932A1 (en) 2011-04-11 2012-04-11 Interoperable financial transactions via mobile devices
ZA2013/07735A ZA201307735B (en) 2011-04-11 2013-10-17 Interoperable finnacial transactions via mobile devices
US15/376,994 US10504082B2 (en) 2011-04-11 2016-12-13 Interoperable financial transactions via mobile devices
US16/675,023 US10902397B2 (en) 2011-04-11 2019-11-05 Interoperable financial transactions via mobile devices

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201161474216P 2011-04-11 2011-04-11
US61/474,216 2011-04-11

Related Child Applications (2)

Application Number Title Priority Date Filing Date
US14/006,427 A-371-Of-International US9552573B2 (en) 2011-04-11 2012-04-11 Interoperable financial transactions via mobile devices
US15/376,994 Continuation US10504082B2 (en) 2011-04-11 2016-12-13 Interoperable financial transactions via mobile devices

Publications (2)

Publication Number Publication Date
WO2012142131A2 WO2012142131A2 (en) 2012-10-18
WO2012142131A3 true WO2012142131A3 (en) 2013-01-17

Family

ID=47009935

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2012/033083 WO2012142131A2 (en) 2011-04-11 2012-04-11 Interoperable financial transactions via mobile devices

Country Status (5)

Country Link
US (3) US9552573B2 (en)
AP (1) AP3678A (en)
AU (1) AU2012242932A1 (en)
WO (1) WO2012142131A2 (en)
ZA (1) ZA201307735B (en)

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Also Published As

Publication number Publication date
AP3678A (en) 2016-04-16
AP2013007223A0 (en) 2013-11-30
US20200175488A1 (en) 2020-06-04
US10504082B2 (en) 2019-12-10
AU2012242932A1 (en) 2013-10-31
US20170091735A1 (en) 2017-03-30
WO2012142131A2 (en) 2012-10-18
US9552573B2 (en) 2017-01-24
US20140108249A1 (en) 2014-04-17
US10902397B2 (en) 2021-01-26
ZA201307735B (en) 2019-01-30

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